We think everyone deserves a break, which is why our Skip-A- Payment Program is now year-round.

Deferrals can be made on all qualifying loans except any Mortgage based product and VISA® credit cards. One deferment is a maximum of 4 consecutive weeks. All deferments will begin the first week of the month selected. The deferred payment and the accrued interest will be made up at the end of the loan. Please note, if you have automatic payments coming from another financial institution, they will still be pulled and put into your savings account rather than applied to your loan for the month you selected to defer. GAP coverage may be affected, if applicable.

  • All loan(s) must be current and all accounts must be in good standing
  • New loans must have a minimum of six monthly payments to be eligible
  • Max 2 skipped loan payments per calendar year
  • Max 1 skipped loan payment per six month period
  • $35 will be charged for each skipped payment
Form must be submitted at least 1 week prior to the month you wish to defer.

Contact Information

First Name is Required.
Last Name is Required.
Please Enter A Phone Number.
Please Provide a Valid Account Number.
Required.

Service Charge

There is a $35 fee per loan that is skipped. The fee is only charged if your request is approved.

Please Choose Account

Loan Information

Add
This Field is Required
Please Choose a Month
Please Choose an Option

*Payroll deductions & external automatic payments will be deposited into the savings account that it comes in under.


Terms and Conditions:

By entering your name and the last four digits of your social security number (and co-borrower's, if applicable in the form above), you are agreeing to sign and submit your skip-a- payment form electronically. You also understand there is a $35 processing fee per loan, which will be charged to your credit union account or added to the loan and that regular interest will continue to accrue on your account and GAP coverage may be affected. STJFCU reserves the right to deny any skip-a- payment request.

You must agree before submitting.